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KARUR VYSYA BANK LTD.
Sector : Banks


BSE  33.0   -1   (-2.94%)   BSE Code : 590003   NSE Code : KARURVYSYA

PREV. CLOSE
34.0
OPEN PRICE
34.9
CLOSE PRICE
33.0
VOLUME
348940
TODAY's LOW
32.5
TODAY's HIGH
34.9




Important Levels
Pivot Points - 33.47
Resistance 1 34.43
Resistance 2 35.87
Support 1 32.03
Support 2 31.07

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
03/08/2020 34.9 34.9 32.5 33.0 -2.94 348940
31/07/2020 34.9 35.9 33.65 34.95 2.79 821025
30/07/2020 31.0 35.7 31.0 34.4 10.97 1183930
29/07/2020 31.35 31.45 30.8 31.0 3.33 172954
27/07/2020 31.05 31.75 30.3 30.35 1.17 192761
24/07/2020 30.6 31.0 30.1 30.25 -2.42 165752
23/07/2020 31.45 31.9 30.75 31.1 0.32 202280
22/07/2020 32.2 32.2 31.2 31.45 1.45 168100
21/07/2020 31.05 32.2 31.05 31.8 2.58 187500
20/07/2020 31.8 31.85 31.2 31.45 1.45 139338

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 417.35 431.65 433.8 439.5 428.5
Gain / Loss % -3.17 -3.31 -3.79 -5.04 -2.6
BANK OF BARODA Price 46.85 46.7 48.65 51.55 50.75
Gain / Loss % 1.85 0.32 -3.7 -9.12 -7.68
BANK OF INDIA Price 48.05 45.95 47.05 49.3 50.7
Gain / Loss % 2.23 4.57 2.13 -2.54 -5.23
BANK OF MAHARASHTRA Price 11.98 11.72 10.74 11.57 10.93
Gain / Loss % -0.17 2.22 11.55 3.54 9.61
CANARA BANK Price 101.75 99.65 103.0 104.55 103.0
Gain / Loss % 0.74 2.11 -1.21 -2.68 -1.21
CENTRAL BANK OF INDIA Price 17.75 16.85 16.85 17.45 17.65
Gain / Loss % 4.41 5.34 5.34 1.72 0.57
CITY UNION BANK LTD. Price 117.7 122.55 123.95 132.2 123.55
Gain / Loss % -2.73 -3.96 -5.04 -10.97 -4.73
DEVELOPMENT CREDIT BANK LTD. Price 80.1 78.45 81.55 83.1 79.95
Gain / Loss % 4.03 2.1 -1.78 -3.61 0.19
Dhanlaxmi Bank Limited Price 12.96 12.77 13.24 13.84 13.96
Gain / Loss % 8 1.49 -2.11 -6.36 -7.16
FEDERAL BANK LTD. Price 52.45 56.0 53.65 54.2 53.0
Gain / Loss % -1.04 -6.34 -2.24 -3.23 -1.04
HDFC BANK LTD. Price 1001.95 1079.05 1132.8 1105.35 1074.2
Gain / Loss % -2.91 -7.15 -11.55 -9.35 -6.73
ICICI BANK LTD. Price 343.4 358.5 362.85 360.35 361.0
Gain / Loss % -0.75 -4.21 -5.36 -4.7 -4.88
IDBI BANK LTD. Price 39.35 36.9 40.0 43.35 50.6
Gain / Loss % 3.55 6.64 -1.63 -9.23 -22.23
INDIAN BANK Price 58.0 56.75 61.55 63.9 64.55
Gain / Loss % 0 2.2 -5.77 -9.23 -10.15
INDIAN OVERSEAS BANK Price 10.32 10.37 10.5 10.76 11.13
Gain / Loss % 3.2 -0.48 -1.71 -4.09 -7.28
INDUSIND BANK LTD. Price 503.2 506.4 528.5 539.15 487.25
Gain / Loss % -3.79 -0.63 -4.79 -6.67 3.27
JAMMU & KASHMIR BANK LTD. Price 16.05 16.05 17.15 18.85 17.35
Gain / Loss % 7 0 -6.41 -14.85 -7.49
KARNATAKA BANK LTD. Price 41.65 43.1 45.4 47.1 42.15
Gain / Loss % 1.59 -3.36 -8.26 -11.57 -1.19
KARUR VYSYA BANK LTD. Price 33.0 30.35 31.45 34.8 34.0
Gain / Loss % -2.94 8.73 4.93 -5.17 -2.94
KOTAK MAHINDRA BANK LTD. Price 1307.2 1322.45 1318.6 1349.5 1353.5
Gain / Loss % -4.37 -1.15 -0.86 -3.13 -3.42
LAKSHMI VILAS BANK LTD. Price 18.85 19.4 21.35 22.35 22.15
Gain / Loss % -0.79 -2.84 -11.71 -15.66 -14.9
PUNJAB & SIND BANK Price 13.49 13.45 13.05 13.95 14.15
Gain / Loss % 3.77 0.3 3.37 -3.3 -4.66
PUNJAB NATIONAL BANK Price 32.9 32.35 34.5 35.05 35.95
Gain / Loss % 6.13 1.7 -4.64 -6.13 -8.48
SOUTH INDIAN BANK LTD. Price 6.8 6.97 7.54 8.02 8.13
Gain / Loss % 13.33 -2.44 -9.81 -15.21 -16.36
STATE BANK OF INDIA Price 192.1 187.15 190.65 195.65 184.75
Gain / Loss % 0.58 2.64 0.76 -1.81 3.98
UCO BANK Price 14.09 13.17 13.6 13.93 14.42
Gain / Loss % 0.64 6.99 3.6 1.15 -2.29
UNION BANK OF INDIA Price 29.0 29.55 31.0 32.05 32.05
Gain / Loss % 0 -1.86 -6.45 -9.52 -9.52
YES BANK LTD. Price 11.98 12.3 19.45 25.5 26.15
Gain / Loss % 8.91 -2.6 -38.41 -53.02 -54.19

Technical Indicators

Simple Moving Average
5 Days 32.74
10 Days 31.98
15 Days 32.33
25 Days 33.17
30 Days 32.36
Exponential Moving Average
5 Days 33.03
10 Days 32.61
12 Days 32.54
20 Days 32.21

MACD
12 Day EMA 32.54
26 Day EMA 31.87
MACD 0.67
Signal Line 0.75
Other Technical Indicators
Non - Smoothed RSI 68.44
Smoothed RSI 76.4
ROC 1.07
William %R -50
Upper Bollinger Band 36.19
Lower Bollinger Band 29.58
Middle Bollinger Band 32.89

Technical Analysis
Over Bought by RSI? No
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? No
Over Sold by W%R? No

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-15 Mar-14 Mar-13
Liabilities
Share Capital 145.33 121.86 121.63 107.18 107.18
Reserves & Surplus 6118.86 4913.83 4124.4 3219.16 2978.01
Net Worth 6264.19 5035.7 4246.03 3326.34 3085.19
Secured Loans 2381.67 1695.65 2900.75 3293.31 3999.34
Unsecured Loans 56890.09 53699.81 44690.27 43757.68 38652.98
TOTAL LIABILITIES 65535.95 60431.16 51837.05 50377.34 45737.52
Assets
Gross Block 474.7 410.94 394.51 375.94 322.11
(-) Acc. Depreciation 0 0 0 0 0
Net Block 474.7 410.94 394.51 375.94 322.11
Capital Work in Progress. 53.49 7.67 16.66 8.76 0
Investments 15803.21 14857.48 12773.01 13247 13837.26
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 4296.91 4345.09 2749.09 2678.23 1796.02
Loans And Advances 46300.81 42186.44 37219.22 35233.22 30777.95
Total Current Assets 50597.72 46531.53 39968.3 37911.45 32573.97
Current Liabilities 1393.17 1376.46 1315.42 1165.82 995.82
Provisions 0 0 0 0 0
Total Current Liabilities 1393.17 1376.46 1315.42 1165.82 995.82
NET CURRENT ASSETS 49204.55 45155.07 38652.88 36745.64 31578.15
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 65535.95 60431.16 51837.05 50377.34 45737.52

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
INCOME:
Sales Turnover 5699.65 5622.35 5443.40 5395.88 5115.96
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 5699.65 5622.35 5443.40 5395.88 5115.96
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 6599.59 6404.57 6150.22 5976.72 5680.41
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 639.08 607.96 547.38 547.05 527.92
Selling Expenses 17.41 27.16 0.00 0.00 0.00
Administrative Expenses 746.82 563.94 622.57 475.04 407.76
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 1273.68 687.49 323.79 480.51 442.31
TOTAL EXPENDITURE 2677.00 1886.56 1493.74 1502.60 1377.98
Operating Profit 894.80 874.64 611.42 443.81 348.03
EBITDA 5196.27 5205.51 4980.27 1024.65 912.48
Depreciation 17.41 85.89 82.81 81.36 74.69
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 5178.86 5119.62 4897.46 943.29 837.80
Interest 3401.54 3548.65 3662.03 3929.97 3832.26
EBT 503.64 4432.12 911.63 462.78 395.49
Taxes 157.97 277.49 344.00 7.17 -34.11
Profit and Loss for the Year 345.67 4154.63 567.63 455.61 429.60
Non Recurring Items 0.00 0.00 0.00 8.67 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -3548.65 0.00 0.00 0.00
REPORTED PAT 345.67 605.98 567.63 464.28 429.60
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend -103.50 0.00 135.88 125.74 116.20
Equity Dividend (%) -71.21 0.00 111.49 103.37 108.40
Shares in Issue (Lakhs) 7266.39 6093.22 1216.30 1216.30 1071.81
EPS - Annualised (Rs) 4.76 9.95 46.67 38.17 40.08

Quarterly

(Rs. in Crores)

Particulars 2019-12 2019-09 2019-06 2019-03 2018-12
INCOME:
Net Sales Turnover 1503.78 1537.51 1492.53 1473.59 1442.76
Other Income 260.06 277.73 269.84 272.45 259.89
TOTAL INCOME 1763.84 1815.24 1762.37 1746.04 1702.65
EXPENDITURE:
Stock Adjustments 0 0 0 0 0
Raw Material Consumed 0 0 0 0 0
Power and Fuel 0 0 0 0 0
Employee Expenses 225.49 212.99 203.75 212.28 197.67
Administration and Selling Expenses 0 0 0 0 0
Research and Development Expenses 0 0 0 0 0
Expenses Capitalised 0 0 0 0 0
Other Expenses 227.05 229.86 204.93 214.63 218.04
Provisions Made 364.26 365.17 329.97 352.34 400.4
TOTAL EXPENSES 816.8 808.02 738.65 779.25 816.11
Operating Profit 686.98 729.49 753.88 694.34 626.65
EBITDA 947.04 1007.22 1023.72 966.79 886.54
Depreciation 0 0 0 0 0
EBIT 1311.3 1372.39 1353.69 1319.13 1286.94
Interest 926.57 941.23 908.56 854.36 861.93
EBT 384.73 431.16 445.13 464.77 425.01
Taxes 5.4 2.66 42.24 52.41 3.41
Profit and Loss for the Year 379.33 428.5 402.89 412.36 421.6
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -364.26 -365.17 -329.97 -352.34 -400.4
REPORTED PAT 15.07 63.33 72.92 60.02 21.2
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 159.86 159.86 159.86 159.86 159.86
Reserves and Surplus 0 0 0 0 0
Equity Dividend Rate 0 0 0 0 0
Agg. Non-Promoter Shares(lacks) 0 0 0 0 0
Agg. Non-Promoter Holding (%) 0 0 0 0 0
Government Share 0 0 0 0 0
Capital Adequacy Ratio 0 0 0 0 0
EPS (Rs.) 0 0 0 0 0

Key Ratios

Key Financial ratios of KARUR VYSYA BANK LTD. Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
Key Stats
Earnings Per Share 4.76 9.95 46.67 38.17 40.08
Profitability Ratios
Operating Profit Margin(%) 15.7 15.56 11.23 8.22 6.8
Profit Before Interest And Tax Margin(%) 90.86 91.06 89.97 17.48 16.38
Net Profit Margin(%) 6.06 10.78 10.43 8.6 8.4
Return On Capital Employed(%) 0.54 7.04 1.12 0.93 0.96
Return On Net Worth(%) 5.52 12.03 13.37 13.96 13.92
Return on Assets(%) 0.53 1 1.1 0.92 0.94
Tax Rate(%) 31.37 6.26 37.73 1.55 -8.62
Liquidity And Solvency Ratios
Current Ratio 36.32 33.81 30.38 32.52 32.71
Quick Ratio 36.32 33.81 30.38 32.52 32.71
Debt Equity Ratio 9.46 11 11.21 14.14 13.82
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.52 1.44 1.34 0.24 0.22
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.09 0.09 0.11 0.11 0.11
Margin Ratios
Core EBITDA Margin(%) 78.74 81.28 80.98 17.14 16.06
EBIT Margin(%) 78.47 79.94 79.63 15.78 14.75
PAT Margin(%) 6.06 10.78 10.43 8.6 8.4